Grand Junction, CO · Charter 3963
NCUA · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.01% | 1.95% | 1.85% | 1.84% | 1.73% | 1.77% | 1.62% | 1.71% | -13 bps | |
| Return on Equity | 9.90% | 9.56% | 9.05% | 8.72% | 8.30% | 8.33% | 7.62% | 7.76% | -96 bps | |
| Net Interest Margin | 3.39% | 3.34% | 3.38% | 3.42% | 3.29% | 3.32% | 3.17% | 3.27% | -15 bps | |
| Efficiency Ratio | 50.69% | 51.22% | 51.83% | 52.98% | 54.26% | 53.27% | 54.03% | 52.64% | -34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.83% | 2.71% | 5.07% | 3.41% | 6.63% | 4.31% | 4.26% | 4.08% | +67 bps | |
| Loan Growth (YoY) | 0.94% | -1.97% | -0.80% | -4.84% | -8.14% | -8.24% | -8.23% | -6.22% | -138 bps | |
| Share Growth (YoY) | -3.34% | 0.82% | 3.79% | 1.85% | 5.90% | 2.95% | 3.15% | 2.94% | +109 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.04% | 0.00% | 0.01% | 0.00% | 0.05% | 0.08% | 0.35% | 0.03% | +3 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.36% | 20.34% | 20.46% | 21.10% | 20.84% | 21.27% | 21.33% | 21.99% | +89 bps | |
| Net Worth / Assets | 20.36% | 20.34% | 20.46% | 21.10% | 20.84% | 21.27% | 21.33% | 21.99% | +89 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.83% | 51.09% | 49.83% | 48.71% | 45.83% | 45.53% | 44.33% | 44.37% | -433 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |